My grandparents had horses from the time I was born. Then I got into them. Then my parents did and still have 2. In my 40 years of experience with them they always find away to get hurt. You could lock them in a padded stall and them would still get hurt. The horse itself is the cheapest part. Everything else is what costs so much. Vet, farrier, feed, tack, trailer, truck, trainer, and whatever else. Big money pit.